Pradhan Mantri Jan Dhan Yojana (PMJDY) has been launched by the Central Government to give the benefit of government schemes to every citizen of the country. Under this scheme, Jan Dhan accounts have been opened in public and private banks. Through these accounts, the benefit of government schemes including PM Ujjwala Yojana, PM Kisan Yojana is being routed directly through the online process. In the past few months during the corona crisis, the government has extended benefits of various schemes to the Jan Dhan Accounts of millions of people. One more thing to mention, if anyone have other savings account, it can be converted into Jan Dhan Account. For any information related to PMJDY, a toll free number has been issued by the Central Government for every state.
State-Wise Toll Free Numbers
Andaman &Nicobar- 1800-345-4545
Andhra Pradesh- 1800-425-8525
Arunachal Pradesh- 1800-345-3616
Assam- 1800-345-3756
Bihar- 1800-233-4358
Chandigarh- 1800-180-2020
Chhattisgarh- 1800-233-4358
Dadar & Nagar Haveli- 1800-233-1000
Daman &Diu- 1800-233-1000
Delhi- 1800-180-0124
Goa- 1800-233-3202
Gujrat- 1800-233-1000
Haryana- 1800-180-2020
Himachal Pradesh- 1800-180-8053
Odisha- 1800-345-6551
Puducherry- 1800-425-0016
Punjab- 1800-180-2020
Jammu Kashmir- 1800-180-0235
Jharkhand- 1800-345-6576
Karnataka- 1800-4300-0000
Kerala- 1800-4300-0000
Lakshadweep- 1800-4300-0000
Madhya Pradesh- 1800-233-4035
Maharashtra- 1800-102-2636
Manipur- 1800-345-3858
Meghalaya- 1800-345-3658
Mizoram- 1800-345-3660
Nagaland- 1800-345-3708
Rajasthan- 1800-180-6546
Sikkim- 1800-345-3256
Tamil Nadu- 1800-425-4415
Telangana- 1800-425-8933
Tripura- 1800-345-3343
Uttar Pradesh- 1800-102-7788
West Bengal- 1800-345-3343
Benefits of Jan Dhan Account
Every person who opens Jan Dhan Account gets special benefits associated with the scheme. Along with the interest received on the deposit, he/she will get accident insurance cover of one lakh rupees. It is not mandatory to keep any minimum amount in the account. On the death of account holder, his/her family is provided an amount of Rs. 30, 000. And, this account has an overdraft facility of up to 5 thousand rupees for the women of the family.
Other benefits are-
1. Interest is received on the amount deposited in the Jan Dhan account.
2. Free mobile banking facility is provided to the account holder.
3. Account holder can overdraft up to Rs. 10,000 from his/her account.
Jan Dhan accounts were used to help the economically weaker people by giving them the benefit of government schemes during the lockdown period.
Private Banks where Jan Dhan Account can be Opened are-
HDFC Bank
ICICI Bank
Axis Bank
Federal Bank
Yes Bank
ING Bank
Kotak Mahindra Bank
Karnataka Bank
IndusInd Bank
Dhanlaxmi Bank
Every citizen residing in the country with the age of 10 years or more, can open Jan Dhan Bank Account.
